There are a few rare cases in which expats may not necessarily need a Dutch health insurance. These include:
If your healthcare coverage (national or private insurance in homeland) is applicable and in compliance with the purpose of your stay, you may not be obliged to apply for Dutch health insurance. For more information visit the Sociale Verzekeringsbank (SVB).
EU health insurance card
The EU health insurance card ensures that you enjoy the same health care privileges as citizens of the country you are visiting. The only requirement is that you come from an EU / EEA country or Switzerland and that you are not working in the Netherlands. Learn more about the EU health insurance card here.
Students & Researchers
If you are a student or a non-salaried researcher in the Netherlands then you may not be obliged to take out Dutch health insurance. Whether you are required to or not depends on several factors such as the duration of your stay, if you are doing work or an internship and whether you have insurance from your home country. Sometimes insurance from your homeland, the EU health insurance card or various university packages may provide sufficient coverage for students.
EU / EEA posted workers
In general, posted workers participate in the health insurance scheme of the employers’ country. If you have not been informed by your company, contact SVB.
Posted non-EU / EEA workers
Posted workers from a non-EU / EEA country may be exempt from taking out Dutch health insurance if there is a social security treaty between the country in question and the Netherlands. You can find the countries with which the Netherlands has treaties here.